CTP green slips have been in the news because of proposed reforms by the NSW government. But what will happen to the idea of CTP when cars can drive themselves? The current NSW CTP scheme is partially fault based. If there is no driver in an accident with a driverless car, whose fault will it be?

Every week about three Queenslanders suffer catastrophic, life-changing injuries in a road crash. Yet Queensland is the only jurisdiction without a lifetime care and support scheme to come in by 1 July 2016.

Each time you pay for your green slip, do you wonder exactly how your premium is spent? Motorists buy a green slip to pay for others who are injured or killed in a motor accident. Like any type of insurance, they do not know if they will ever have to make a claim.

Prices for green slips continue to climb and Minister Victor Dominello says the green slip scheme is ripe for reform. He just released a discussion paper for people who want to have a say about improving the green slip scheme.

The thought of a computer operating your car while you sit back sounds like something you would read about in a science fiction novel. However, driverless cars are already being experimented with in Japan and could very well replace human drivers within the next decade or two. The notion of driverless cars sounds appealing; a computer, after all, is not prone to human negligence or making potentially fatal errors in judgment, such as getting behind the wheel intoxicated or texting while on the road.

For the most part, driverless vehicles represent a step in the right direction, both in terms of technology and reducing road accidents, which ultimately translates to saving lives. This also renders car insurance obsolete, which has some in the industry worrying.

Though we hope you’ll never have to make one yourself, plenty of Australians end up claiming on ctp insurance every year.

The New South Wales Government Motor Accidents Authority Annual Report 2012-2013 period takes an in depth look at who is claiming on ctp insurance and why, according factors such as age, gender, and type of vehicle.

This provides great insight into who’s making (and causing!) claims most often, as well as what these claims actually end up costing.

According to the data collected in 2013, the age group causing the highest proportion of injury crashes are aged between 26 and 49 years old, with 45.3 per cent of recorded injury crashes attributed to them. However, this age group also makes up the largest number of NSW licence holders, with 44.7 per cent of total licence holders coming from this group.

This age group also made up the highest total claims cost, sitting at 45.1 per cent.

Closely following this age bracket were the 17 to 25 and 50 to 69 age brackets, accounting for 25.6 and 19.9 per cent of injury crashes caused, respectively. Other age groups were significantly lower, with those aged over 70 responsible for 5.1 per cent and those under 16 responsible for 0.3 per cent.

Overall, the 17 to 25 age bracket made up 25.3 per cent of total claims cost and 50 to 69 accounted for 22.6 per cent of NSW claims cost.

In terms of likelihood to cause a crash based on gender, males appear to be the most frequent. Of injury crashes recorded in the 2012 to 2013 period, 59.4 per cent were caused by males, 29.1 per cent caused by females and 11.9 per cent were unknown.

Drivers are the most likely road user to make a claim, making up 49.5 per cent of total claims. This was followed by passengers, and pedestrians. Pillion passengers are the least likely road user to make a claim, however, they account for the second highest average cost per claim at $216,900.

This is topped only by riders, who cost an average of $227,200 per claim.